Economic downturns, unexpected market shifts, or operational setbacks can occasionally place businesses under severe financial distress, leading to stressed assets, non-performing asset (NPA) classifications, and mounting creditor pressures. At ISVAT & Co LLP, our Settlement Advisory practice provides compassionate yet pragmatic guidance to distressed enterprises and promoters across South India. Operating from Kochi and Thiruvananthapuram, our experienced partners negotiate directly with commercial banks and financial institutions to structure viable One-Time Settlement (OTS) packages and comprehensive debt resolution frameworks.
Navigating bank negotiations and SARFAESI proceedings requires expert financial modeling, objective asset valuation, and persuasive communication with lender committees. Our team bridges the gap between distressed borrowers and institutional creditors, aiming for mutually acceptable resolutions that restore financial health and protect promoter dignity.
We treat every distressed enterprise case with absolute confidentiality and strategic urgency. By conducting a realistic review of cash flows, realizable asset values, and lender guidelines, we formulate structured compromise proposals that maximize recovery for banks while offering viable revival or clean exit pathways for promoters.
Structuring discounted lump-sum or phased settlement proposals acceptable to banking committees and consortium lenders.
Representing enterprises during restructuring talks, moratorium requests, and interest waiver deliberations.
Advising on legal notices, asset classification challenges, and procedural compliance under recovery frameworks.
Designing sustainable debt-to-equity conversions, tenure extensions, and working capital re-profiling plans.
Our advisory services support businesses through critical financial restructuring phases, providing structured pathways out of distress.
Facing severe financial distress can feel overwhelming, but structured professional intervention can turnaround or amicably resolve critical debt challenges. Our partners bring a calming, objective, and authoritative voice to creditor negotiations.
Whether you seek to revive an operational unit through structured debt relief or achieve a clean financial settlement, ISVAT stands ready to guide your enterprise toward a secure future.
Comprehensive statutory, tax, and internal audits to verify financial accuracy and improve governance.
Strategic advisory across direct and indirect taxation, corporate structuring, and appellate representation.
Techno-economic feasibility studies, detailed project reports (DPR), and debt syndication support.
From compliance checks and internal audits to strategic fund raising and corporate restructuring, consult our multi-disciplinary partner network.
Call Us Directly
+91 94477 66252
Email Inquiries
isvatca@gmail.com
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One-Time
Settlement (OTS) Proposal Drafting & Submission